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Pioneer Bancorp, Inc (PBFS) Fair Value & Analysis

Financial Services · US · Market cap $417M

Price$17.24
Fair Value$10.22
Upside-40.7%
Quality95/100
Evidence: High Range $7.67 – $12.78

Fair value as of: Jun 26, 2026

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Analysis

Pioneer Bancorp, Inc (PBFS) currently trades at $17.24, while our model-based Fair Value estimate is $10.22 — implying the stock looks roughly 40.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and benefit ad…

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Frequently asked questions

Is Pioneer Bancorp, Inc (PBFS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $10.22 versus a price of $17.24 — about −41% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PBFS?
Our 21-model fair value for Pioneer Bancorp, Inc is $10.22 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.24.
What is the quality score of PBFS?
Pioneer Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.